Looking for a credible fintech app development company to improve the accessibility, efficiency, and competitiveness of your financial services? After assessing numerous client feedback and success stories, we curated this list of top fintech app development services to help businesses like yours find a fitting partner. Browse our directory and narrow your search by location, pricing, minimum budget, team size, and other criteria. 

Surf: DesignRush's Featured Fintech App Development Company

Surf is an award-winning software development company with over 13 years of cross-industry experience. Fintech apps encompass one of the agency’s main specialties, wherein it builds custom iOS, Android, and turnkey solutions, designed to enhance user engagement and boost conversions. To date, Surf has completed over 200 projects, helping customers achieve:

  1. 25% higher user growth
  2. 27% increase in active monthly users
  3. 20% greater user activity in payments and transfers
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Surf Has Been Entrusted for Fintech App Development Services by the Following Clients

What Can a Fintech App Development Company Do for Your Business

A fintech app development company can build secure, scalable, and user-friendly software solutions that elevate customer experience, drive growth, and streamline operations. Key benefits of its services include:

  • Аpp design uses UI/UX frameworks to optimize user flows and interface responsiveness
  • User story mapping visualizes feature backlogs by aligning epics with real user interactions
  • Payment gateway integration ensures secure and reliable financial transactions across multiple platforms
  • App testing ensures reliability and performance through systematic quality assurance

When executed effectively, a fintech app can amplify user convenience, improve transaction efficiency, and provide real-time insights into finances. On the other hand, a poorly developed app with security vulnerabilities, slow performance, or a confusing interface can result in decreased trust, customer churn, and potentially severe financial losses.

Why Choose Surf for Your Next Fintech App Development Project

Surf is known for:

  • Holding more than 150 international awards
  • Being one of the first three Google-certified software development agencies
  • Its proprietary "SurfGen" solution that accelerates app service layer development by up to 3-4 times

Surf Might Not Be the Best Fit For

Surf might not suit the following categories:

  • Companies requiring strict budget management, as some clients have reported instances of budget overruns during projects
  • Businesses seeking a broader range of services, as the agency's offerings may be more limited compared to similar agencies

Outstanding Fintech App Development Services Offered by Surf

Outstanding fintech app development services offered by Surf include:

1. Fintech app design

Surf conducts audience research, including JTBD (Jobs To Be Done) interviews and CJM (Customer Journey Mapping) workshops, to gain insight into user behavior and address potential barriers. It focuses on effective UX/UI methodologies that consider bottlenecks and negative scenarios alike.

2. Custom mobile app development

The software company builds custom mobile applications using native technologies like Swift and Kotlin, as well as cross-platform solutions with Flutter. The end products are optimized for integration with internal systems such as CRM, ERP, and ABS, as well as external resources.

3. Neobanking app development

Surf develops powerful and secure neobanking apps such as mobile payment solutions and online loan applications, often including loyalty programs and AI chatbots. When building banking solutions, the company prioritizes security and compliance with industry standards, particularly the Know Your Customer (KYC) criteria. The apps also feature expense analytics to help users track their spending.

4. Trading platform development

The company’s trading apps offer real-time market navigation, customizable charts, and AI-powered solutions to enable informed decision-making. With built-in education features and stock trading digitization, Surf ensures users have the tools and insights to navigate the financial markets confidently.

5. User story mapping

Surf uses user story mapping to thoroughly analyze the user journey within fintech applications. This process helps identify pain points and optimizes the design and functionality, ensuring that each feature enhances the user experience, simplifies financial tasks, and supports smooth interaction with the app.

6. Security implementation

Surf integrates state-of-the-art encryption and multi-factor authentication mechanisms to ensure compliance with global data protection regulations. These safety measures are deployed to protect sensitive financial data and instill confidence across users when making transactions.

7. Application testing and launch

Surf's quality assurance process is led by ISTQB-certified QA engineers with expertise in mobile banking. Automated tests ensure that key features like real-time transactions, security measures, and performance optimization are thoroughly validated, which promises the app is launch-ready and performs as expected.

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Surf Has Made Its Mark in the Fintech Industry

Surf’s extensive experience in developing fintech apps enables it to create high-performing, practical digital assets. Here are some key outcomes it has achieved for clients:

  • Developed the first European Flutter banking app for a Société Générale Group
  • Improved conversion rates for a TOP-15 European bank
  • Created an advanced crypto trading tool for Twim
  • Considerably improved the user experience for a B2C mobile bank
  • Helped Burger King dominate the food category across Android and iOS app stores

See Why Businesses Choose Surf for Exceptional Fintech App Development Services

1. Mobile App Development for a Fintech Company

“Thanks to Surf's work, the client has received positive feedback from end users for the app's usability and functionality. Their extensive experience in banking and technical knowledge are hallmarks of their work.”

Tim Kolchkov
Head of Mobile Banking App Development at Fintech Company

2. Mobile App Development for PSB Bank

“We already have working mobile banking for our individual clients. The important point was to focus on enterprise because it makes a substantial part of our turnover. The app provides user-friendly concierge services and news for VIP clients.”

Denis Sokolov
IT Project Manager at PSB bank

3. Mobile App Development for European National Bank

“The team leads a seamless workflow by being transparent and receptive to feedback. Their ability to leverage their relevant industry experience into top-notch solutions stands out.”

Julia Silvian
Project manager at European National Bank

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Awards

Certifications

FAQs About Surf

Q1: Why do businesses choose Surf for their fintech app development needs?

A1: Businesses choose Surf for its high-performing fintech apps that are built to solve real financial challenges. Surf’s portfolio includes everything from mobile banking to payment systems, designed to be scalable, secure, and easy to integrate.

Q2: What makes Surf different from other fintech app development companies?

A2: Surf stands out due to its ability to dynamically scale with traffic spikes, optimize for performance, and minimize configuration requirements, offering fintech businesses a unique advantage in presenting practical and secure apps to their users.

Q3: How does Surf measure success?

A3: Surf measures success through product performance metrics, user engagement analytics, and adherence to business KPIs defined during project scoping. The team also emphasizes long-term value by aligning technical outcomes with client growth objectives and end-user satisfaction.

Q4: What is Surf's onboarding process like?

A4: Surf’s onboarding process involves conducting in-depth audience research, user journey mapping, and UX/UI prototyping to define product scope, followed by technical planning that aligns with fintech compliance and integration requirements. This structured approach grants a frictionless transition into development with clearly defined deliverables and user-centric design foundations.

Q5: What is Surf’s process for building fintech apps?

A5: The company’s process for building fintech apps follows an end-to-end pipeline that includes UI/UX design rooted in user behavior analysis, native or cross-platform development, and integration with internal banking systems. The workflow is further reinforced by automated testing, CI/CD pipelines, and compliance-driven release practices.

Q6: What is Surf’s average hourly rate?

A6: Surf charges an average hourly rate of $49, with its minimum project budget ranging from $25,000 to $50,000. The final cost depends on the project’s scope, complexity, and features. For a detailed quote, contact Surf directly through the contact form below.

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Case Studies by Surf

While client testimonials offer valuable insight, they only provide a glimpse of an agency's capabilities. Case studies, on the other hand, reflect an agency’s problem-solving abilities and how it conveys project visions into tangible products.

To highlight Surf's expertise in fintech app development, we’ve selected several case studies that focus on security, transaction speed, scalability, and regulatory compliance. These success stories showcase the agency’s technical prowess and underscore its ability to deliver secure, efficient, and innovative solutions tailored to the unique demands of the fintech industry.

1. SBI Bank’s 25% Increase in New Users

[Source: Surf]

  • Challenge: SBI Bank needed to revamp its outdated family banking app to attract more users. Surf was tasked with developing a native app from scratch that’s simple enough to be used by non-tech-savvy users as well, with a focus on shared accounts, budgeting, and financial education.
  • Solution: Surf built a new mobile app with modern, pastel-themed visuals. The team integrated features such as shared accounts, task-based rewards for kids, and family-wide cashback programs. The app was envisioned as a transparent family banking tool where the main account owner can monitor linked cards, set individual spending limits, and track expenses.
  • Results: Compared to the old app, the solution saw a 27% rise in monthly active users and a 25% increase in new users. In 2022, the product was also voted a notable family banking product, boasting over 9,000 users.

2. A Fintech Startup’s Successful Launch with 3,000 Users

[Source: Surf]
  • Challenge: Pakistani fintech startup sought to create the country’s first neobank app and provide accessible digital banking services to the largely unbanked population, targeting tech-savvy millennials.
  • Solution: Surf developed a Flutter-based app that allowed virtual and physical card ordering, remote verification, online transactions, and bill payments. The mobile solution introduced several essential features previously unavailable in Pakistani banks, including transaction history, bank-to-bank transfers, intrabank transfers by phone number, card limit settings, and more. The app was designed with a minimalistic UI and integrated various software development kits (SDKs) like I2C and IDWise to accelerate development.
  • Results: The app was launched as an early access program, boasting over 3,000 users. It has later become an in-house project, with the bank continuing to manage and expand its functionalities. The app also represents one of the first Flutter-based fintech solutions in the region.

3. A Banking Group’s 20% Increase in User Activity

[Source: Surf]
  • Challenge: A newly merged banking group needed a unified mobile app that would cater to customers of all five distinct banks. The project had a tight deadline for the first release, requiring adaptation of the bank’s processes and infrastructure to fit mobile development standards.
  • Solution: Surf helped the client transition to a mobile app by optimizing business requirements for mobile, adjusting backend processes, and addressing technical constraints. The team streamlined the UI design and supported the banking group in adapting business flows for mobile operations, such as QR code payments, online loan applications, and geolocation-based ATM searches. To ensure stability, 824 manual tests were conducted on payments, transfers, and product features before the app’s first release.
  • Results: The unified app led to a 20% increase in user activity, particularly in payments and transfers. Additional features like personalized offers, online chat, and a loyalty program further enhanced user engagement.

4. B2C Mobile Bank’s 70% Cost Reduction

[Source: Surf]
  • Challenge: A B2C mobile bank struggled with poor authorization and registration issues, requesting a complete overhaul of its outdated native banking app. Additionally, the client wanted to implement test automation for faster bug fixes and quality maintenance, all within a large scope and tight development timeline.
  • Solution: Surf developed a new Flutter-based app with multiple authorization mechanisms. The app’s home screen provided an overview of all banking products, allowing users to hide unused items and access accounts, cards, loans, and deposits. The product enabled users to filter transaction history by type and date while featuring an expense analysis tool that breaks down spending by category.
  • Results: The app’s underlying Flutter framework enabled significantly accelerated development, entailing a 70% cost reduction for the bank's second app, which shares the same codebase.

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The Expert Team Behind Surf

Understanding the vision and leadership behind a company is key to comprehending its approach and dedication to quality. The teams responsible for creating and maintaining the products often embody the values of their founders. That’s why it’s essential to highlight the individuals leading the charge.

Surf’s team consists of over 250 talented developers, designers, and support professionals committed to creating reliable and cutting-edge fintech solutions. Led by visionary founders, the team emphasizes security, scalability, and intuitive user interfaces, ensuring the products meet the ever-evolving needs of the finance sector.

Artyom Plastinin

Role: COO

Artyom Plastinin boasts over 4 years of leadership experience in the IT sector. His expertise in workflow optimization, resource allocation, and organizational goals alignment has led to notable improvements, including a boost in profitability and company margin.

In his role as a COO, Plastinin has expanded Surf’s team, built agile departments, and helped launch a corporate university that graduated 50+ professionals. In terms of academic achievements, he holds a bachelor’s degree in Information Technology from Voronezh State University.

Social media accounts of Surf

Why Surf Is Our Featured Fintech App Development Company

Our team at DesignRush performed an extensive analysis of top fintech app development companies. Surf stood out due to its technical prowess and out-of-the-box problem solving.

Key Reasons:

  • Proven track record: Surf has delivered over 200 products for clients across different verticals.
  • Domain expertise: Surf proficiently develops neobanking, trading, and crypto apps with features like real-time data visualization, AI-powered assistants, and secure KYC flows.
  • Robust DevOps and QA practices: The company ensures rapid rollouts via CI/CD pipelines and covers up to 80% of use cases with automated testing, optimizing both release speed and reliability.

DesignRush Seal of Approval

At DesignRush, we carefully review agencies to ensure they meet our high standards, and we found that Surf is a proven top performer.

Our team was impressed by the agency’s creativity, strong results, and commitment to client success, which set them apart. For us, Surf is a 5-star agency that consistently exceeds expectations.

The DesignRush Team

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We believe partnering with a top-tier agency like Surf can make a real difference in achieving your business goals, and we’re excited to help you take the next step.

Our Tips on How to Move Forward

1. Schedule a meeting with the agency

Fill in the contact form below to book a consultation with Surf. This preliminary meeting is a good opportunity to discuss project goals and details.

Connect with Surf today.
Click here

2. Prepare questions for the meeting

To assess Surf’s ability to convey your vision, consider asking some of the following questions:

  • App accessibility
    • What steps do you take to ensure the fintech app performs well across different screen sizes and devices?
    • Why ask this? Users expect a seamless experience across smartphones, tablets, and desktops. Apps with responsive designs promote better usability, engagement, and retention.
  • Fintech app development expertise
    • What level of experience does your team have with fintech solutions?
    • Why ask this? Understanding the team’s experience with fintech solutions helps assess their ability to tailor the app to user expectations, such as instant transaction feedback, frictionless account linking, and clear spending insights. This can also help you determine whether the company can ensure reliability during peak usage and design interfaces that simplify complex financial operations.
  • System integration
    • Can you integrate external tools, APIs, or other business systems into the app?
    • Why ask this? Many fintech apps require third-party integrations for payment gateways, customer management, data analytics, and other business functions. These integrations extend the app’s capabilities and streamline business workflows.
  • Data protection and compliance
    • What measures do you take to safeguard user data and ensure compliance with industry regulations?
    • Why ask this? Security is crucial in fintech applications. Proper encryption, authentication protocols, and compliance with data protection regulations ensure your app remains secure, trustworthy, and reliable for users.
  • Pricing
    • Can you provide a detailed breakdown of the development costs, including potential additional charges?
    • Why ask this? A transparent pricing structure helps you plan your budget effectively. Understanding all costs from the outset minimizes surprises and ensures the project stays on track without hidden expenses.
Get started with Surf today.
Contact Surf

Additional Tips

  • Identify your target users: Define the primary audience for your fintech app, factoring in their behaviors, security concerns, and expectations. Surf’s team can then tailor a solution that covers these aspects.
  • Define product goals: Establishing clear objectives will help Surf develop a focused, purpose-driven fintech app that fully conveys your vision.
  • Highlight your unique value proposition: Identify the key features or functionalities that set your fintech app apart. With these differentiation factors in mind, Surf can design an app that stands out in the marketplace, attracts users, and drives long-term user retention.

Need Further Assistance?

If you need further guidance on how to proceed, reach out to our team at DesignRush. We’re here to help you make the best decision for your business.

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Best Fintech App Development Services

1,807 Companies - Rankings updated: May 18, 2026

All mobile app development firms on DesignRush have been assessed for their expertise, portfolio, and verified client reviews. Some listings may be paid.

  • Creativity And Code

    Creativity And Code

    Format Digital is a boutique digital studio that creates bespoke digital experiences through a combination of design, development, and creative strategy. Led by a small, highly experienced team, the studio focuses on delivering thoughtful, user-centered solutions with a strong emphasis on clarity  [... view Format Digital profile ]
    Location
    Christchurch, New Zealand
    Number of Employees
    Under 49
    Minimal Budget
    $10,000 - $25,000
  • Empowering Businesses Through Innovative Software Solutions.

    Empowering Businesses Through Innovative Software Solutions.

    We specialize in helping enterprises worldwide navigate their digital transformation journey with tailor-made software solutions. Our highly skilled team is focused on delivering innovative, scalable, and results-driven solutions.  [... see all Codevision Technologies Private Limited reviews ]
    Location
    Ahmedabad, India
    Number of Employees
    Under 49
    Average Hourly Rate
    $25/hr
    Minimal Budget
    $1,000 - $10,000
    Portfolios Count
    2 Projects Listed
  • One agency to drive growth.

    One agency to drive growth.

    Mo Works is a forward-thinking agency that emphasizes consulting and strategic services, while also functioning as a full-service agency. Established in 2014 by three visionary individuals who shared a common goal of improving the world.  [... view Mo Works Creative Agency profile ]
    Location
    North Melbourne, Australia
    Number of Employees
    Under 49
    Average Hourly Rate
    $35/hr
    Minimal Budget
    $1,000 - $10,000
    Portfolios Count
    1 Project Listed
  • No Software and CRM Project Is Too Vast or Too Minute for Our Attention.

    No Software and CRM Project Is Too Vast or Too Minute for Our Attention.

    At Texas-based Digicode, we excel in enterprise software development, specializing in web and mobile solutions. With a global reach and over 30 years of combined expertise, our team is primed to transform your vision into reality, regardless of project size. Let's collaborate!  [... view Digicode profile ]
    Location
    Plano, Texas
    Number of Employees
    100 - 249
    Average Hourly Rate
    $25/hr
    Minimal Budget
    $10,000 - $25,000
    Portfolios Count
    1 Project Listed
  • Only the best software.

    Only the best software.

    Founded in 2017, SleekDigital has been a software development agency specialising in web development and mobile app development.  [... view SleekDigital profile ]
    Location
    Singapore, Singapore
    Number of Employees
    Under 49
    Average Hourly Rate
    $80/hr
    Minimal Budget
    $10,000 - $25,000
    Portfolios Count
    1 Project Listed
  • Where Technology Meets Business

    Where Technology Meets Business

    Logix Technology is a Vietnam-based Offshore software development company for enterprise, delivering tailored digital solutions for startups, SMEs, and enterprises worldwide.  [... view Logix Technology profile ]
    Location
    Ho Chi Minh, Vietnam
    Number of Employees
    100 - 249
    Average Hourly Rate
    $25/hr
    Minimal Budget
    $50,000 & Up
    Portfolios Count
    1 Project Listed
  • Creating Digital Solutions That Help Businesses Grow.

    Creating Digital Solutions That Help Businesses Grow.

    JDD Agency is a digital agency that values design craftsmanship. We excel in scenarios that demand critical thinking and have a strong passion for data, perhaps more than most.  [... view JDD Agency profile ]
    Location
    Southampton, United Kingdom
    Number of Employees
    Under 49
    Average Hourly Rate
    $54/hr
    Minimal Budget
    $10,000 - $25,000
    Portfolios Count
    1 Project Listed
  • Consulting | Design | Development

    Consulting | Design | Development

    Orange5 LLC is a Cincinnatibased custom software development firm specializing in .NET and Node.js frameworks. Since its founding in 201415, the agency has designed web, desktop and mobile applications tailored to small and midsize clients. With a focus on clear communication, precise execution and technical  [... view Orange5 profile ]
    Location
    Fairfield, Ohio
    Number of Employees
    Under 49
    Average Hourly Rate
    $85/hr
    Portfolios Count
    1 Project Listed
  • Build Your Online Presence & Start Generating Leads Digitally

    Build Your Online Presence & Start Generating Leads Digitally

    We are one of the leading web design and development companies in New Jersey, specializing in custom Search Engine Optimized websites.  [... view SHJ Digital Web Design & Development profile ]
    Location
    Egg Harbor Township, New Jersey
    Number of Employees
    Under 49
    Average Hourly Rate
    $30/hr
    Minimal Budget
    $1,000 - $10,000
    Portfolios Count
    1 Project Listed
  • Converting ideas into digital realities

    Converting ideas into digital realities

    TanBits is a vigorous team of passionate web developers, coders, designers, creatives and tech-junkies which aims to provide cutting-edge and futuristic solutions to tech startups, mid-size companies and enterprises  [... view TanBits profile ]
    Location
    Brookline, Massachusetts
    Number of Employees
    50 - 99
    Average Hourly Rate
    $50/hr
    Minimal Budget
    $25,000 - $50,000
    Portfolios Count
    1 Project Listed
  • Driven Companies Towards Their Digital Transformation

    Driven Companies Towards Their Digital Transformation

    We are a company specialized in software development for mobile platforms, portals and electronic commerce since 1991.  [... view MSP Mobility Corp. profile ]
    Location
    Concord, California
    Number of Employees
    250 - 499
    Average Hourly Rate
    $24/hr
    Minimal Budget
    $10,000 - $25,000
    Portfolios Count
    1 Project Listed
  • Empathic Design Solutions

    Empathic Design Solutions

    Remote agile team, excellent in UX & UI designs, product design and strategy.We create MVPs, streamline existing product designs and work with large-scale brand redesigns.Complex, but top-notch looking UI design systems for web services and mobile apps.  [... view Motka.Design profile ]
    Location
    Ljubljana, Slovenia
    Number of Employees
    Under 49
    Average Hourly Rate
    $70/hr
    Minimal Budget
    $1,000 - $10,000
    Portfolios Count
    1 Project Listed
  • Best Digital Marketing Agency Dubai

    Best Digital Marketing Agency Dubai

    We are a leading digital marketing agency that specializes in SEO, PPC management, and SEO link building services. We have a team of experienced and certified SEO Specialist Dubai who can help you achieve your online marketing goals.  [... view Zenerom Creative Lab profile ]
    Location
    Dubai, United Arab Emirates
    Number of Employees
    Under 49
    Average Hourly Rate
    $20/hr
    Minimal Budget
    $1,000 - $10,000
    Portfolios Count
    1 Project Listed
  • Creating World Class Engagement And Impact

    Creating World Class Engagement And Impact

    Almost ten years ago, we began our journey in digital product developmentand our passion for crafting innovative solutions continues to thrive. While we remain a lean, agile team, we've built strong, strategic partnerships that enable us to solve complex problems and achieve outstanding outcomes. We carefully  [... view WebInk profile ]
    Location
    Johannesburg, South Africa
    Number of Employees
    Under 49
    Portfolios Count
    1 Project Listed
  • Beautiful Design For The Bold

    Beautiful Design For The Bold

    Were a small team of artists who happen to love software development. Everything we do is rooted in our passion for elegant design, both internally and externally. For us, theres no better feeling than knowing we help our customers put their best foot forward with great online experiences.  [... view Launch Site profile ]
    Location
    Lindenhurst, New York
    Number of Employees
    Under 49
    Average Hourly Rate
    $120/hr
    Minimal Budget
    $1,000 - $10,000
    Portfolios Count
    1 Project Listed
  • Full-Service Digital Agency

    Full-Service Digital Agency

    We are a full-service company, committed to creating stunning digital products and experiences.  [... view Azikus profile ]
    Location
    Zagreb, Croatia
    Number of Employees
    Under 49
    Average Hourly Rate
    $50/hr
    Minimal Budget
    $1,000 - $10,000
    Portfolios Count
    1 Project Listed
  • FUEL DIGITAL VELOCITY

    FUEL DIGITAL VELOCITY

    We help you recruit, hire, manage and scale world-class offshore distributed Software Teams. We also design and develop full custom software projects.  [... view Chromedia profile ]
    Location
    Lakewood, Colorado
    Number of Employees
    100 - 249
    Average Hourly Rate
    $49/hr
    Minimal Budget
    $50,000 & Up
    Portfolios Count
    1 Project Listed
  • Creating Mobile Apps That Digitally Transform Business

    Creating Mobile Apps That Digitally Transform Business

    Sugar Rush is a Mobile App Agency that provides mobile app development services to clients in the UK, Ireland, Europe, and the US. They have received recognition as the "UK App Agency of the Year" and have won 'App of The Year' awards for three consecutive years in Northern Ireland.  [... view Sugar Rush profile ]
    Location
    Belfast, United Kingdom
    Number of Employees
    Under 49
    Minimal Budget
    $50,000 & Up
    Portfolios Count
    1 Project Listed
  • Logic Inspired by Design

    Logic Inspired by Design

    DesignersX stands tall among the leading design and development platforms headquartered in Florida, United States. Catering to businesses of all sizes, the company specializes in web apps, mobile app development, e-commerce solutions, custom Java development, and internet marketing and design services. What  [... view DesignersX profile ]
    Location
    Florida City, Florida
    Number of Employees
    50 - 99
    Average Hourly Rate
    $25/hr
    Minimal Budget
    $1,000 - $10,000
    Portfolios Count
    1 Project Listed
  • STS Software GmbH - Leading Software Development Company in Switzerland

    STS Software GmbH - Leading Software Development Company in Switzerland

    As an Olten-based business, STS Software GmbH boasts a strong force of software engineers. With this fortification, the STS Software GmbH team has reached a large number of prominent Swiss businesses as strategic partners, contributing to our already formidable industry standing.  [... view STS Software GmbH profile ]
    Location
    Olten, Switzerland
    Number of Employees
    100 - 249
    Average Hourly Rate
    $40/hr
    Minimal Budget
    $25,000 - $50,000
    Portfolios Count
    1 Project Listed
  • In Code We Trust

    In Code We Trust

    Code Of Us is a company that specializes in delivering custom software solutions to businesses of all sizes.  [... view Code Of Us profile ]
    Location
    Zagreb, Croatia
    Number of Employees
    Under 49
    Average Hourly Rate
    $50/hr
    Minimal Budget
    $50,000 & Up
    Portfolios Count
    1 Project Listed
  • We design, build, and deliver software solutions.

    We design, build, and deliver software solutions.

    At Aqusag LLC, we serve as your trusted technology partner, providing reliable cutting-edge solutions. With a diverse global clientele, our expertise lies in crafting innovative software products that tackle both complex and traditional challenges. Our mission is to deliver high-quality software solutions to  [... view Aqusag LLC profile ]
    Location
    Middletown, Delaware
    Number of Employees
    100 - 249
    Average Hourly Rate
    $30/hr
    Minimal Budget
    $10,000 - $25,000
    Portfolios Count
    1 Project Listed
  • Work Hard, Digitalized Harder.

    Work Hard, Digitalized Harder.

    Nikhil Singh is a professional Product Designer driving product-led growth initiatives like engagement and monetization for Acrobat.  [... view Nikhil Singh profile ]
    Location
    New York City, New York
    Number of Employees
    Under 49
    Portfolios Count
    1 Project Listed
  • Transforming Your Ideas Into Successful Products.

    Transforming Your Ideas Into Successful Products.

    AJProTech is a leading IoT product development studio. With a dedicated team of expert engineers covering electrical, mechanical, software, and supply chain domains, the agency offers full-service support from concept to mass production, transforming clients' ideas into successful products. From conducting  [... view AJProTech profile ]
    Location
    Calabasas, California
    Number of Employees
    Under 49
    Average Hourly Rate
    $149/hr
    Minimal Budget
    $50,000 & Up
    Portfolios Count
    1 Project Listed
  • Create an culture of collaboration.

    Create an culture of collaboration.

    Joe Fulginiti is a forward-thinking advocate of inclusive user-centered design, recognized as a leader, mentor, and strategist in the field. His objective is to foster a culture of collaboration.  [... view Joe Fulginiti profile ]
    Location
    New York City, New York
    Number of Employees
    Under 49
    Portfolios Count
    1 Project Listed
  • Designing Data-Driven, Visually Engaging Experiences for User Delight.

    Designing Data-Driven, Visually Engaging Experiences for User Delight.

    Bhagyashree Phadnis excels in crafting data-driven, visually stunning experiences that improve users' lives.  [... view Bhagyashree Phadnis profile ]
    Location
    New York City, New York
    Number of Employees
    Under 49
    Portfolios Count
    1 Project Listed
  • Crafting Unique Digital Experiences.

    Crafting Unique Digital Experiences.

    My name is Jhonnatha, and I have had a passion for design since childhood. At 20 years old, I specialize in crafting visual identities for individuals, businesses, and events. My ultimate aim is to make others view your brand with the same passion that you do.  [... view Jhonnatha Design profile ]
    Location
    Mossoró, Brazil
    Number of Employees
    Under 49
    Portfolios Count
    1 Project Listed
  • Designing Your Vision with Excellence.

    Designing Your Vision with Excellence.

    Jakes Uche Uzor is a Creative Designer, UI/UX Designer, Frontend Developer, Motion Graphics Designer, and Animator.  [... view Jakes Uzor profile ]
    Location
    Sydney, Australia
    Number of Employees
    Under 49
    Portfolios Count
    1 Project Listed
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    Advertisie is an agency for SMBs. Our goal is to increase the amount of awesome brands. To achieve this goal we utilize our knowledge and experience in marketing, design, and web development fields.  [... view Advertisie LTD profile ]
    Location
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    Number of Employees
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    Average Hourly Rate
    $30/hr
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    Portfolios Count
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    Elegance in Every Design.

    Hey there! My name is Roman Lel, I'm a professional freelance Mobile UI/UX/Animation designer. Focused on designing beautiful interfaces & intuitive interactions.  [... view Roman Lel profile ]
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  • Deep knowledge and extensive experience.

    Deep knowledge and extensive experience.

    Quantum Art has been a leading provider of Web Content Management Systems (WCMS) for over ten years, collaborating with commercial enterprises, governments, and non-profit organizations.  [... view Quantum Art profile ]
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  • Designing Tomorrow, Today.

    Designing Tomorrow, Today.

    Laick Design is a design company founded by Alan Laick with over 20 years of experience. Based out in Fairchance, Pennsylvania, United States.  [... view Laick Design profile ]
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  • Crafting Digital Excellence.

    Crafting Digital Excellence.

    The Studio Ubique team has been delivering outstanding digital experiences globally. Driven by a bold vision, we create visually stunning websites that also deliver top-tier performance.  [... view Studio Ubique profile ]
    Location
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  • Crafting User Experiences That Inspire.

    Crafting User Experiences That Inspire.

    Hey there! My name is my name is Eduardo Sebastian Paz, I'm an Interaction Designer and Computer Science Technologist based in Los Angeles. My goal is to create impactful and emotional experiences, both digitally and in the real world, to contribute to a better future for all.  [... view Eduardo Sebastian Paz profile ]
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  • Transform your content into clients.

    Transform your content into clients.

    Hey there! Mariana Aspru is an award-winning brand expert, business coach, and speaker, helps you transform your vision into a standout brand designed to attract your ideal clients.  [... view Mariana Aspru profile ]
    Location
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    Creating beautiful user friendly.

    Hey there! My name is Francisco Leal Coelho, I'm a Full Stack Designer dedicated to creating exceptional digital interactions for the modern world.  [... view Francisco Leal Coelho profile ]
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  • We cater those who crave culture.

    We cater those who crave culture.

    ByAllMeans Studio is a design and development venture studio that operates across various industries and fields. They bring stories to life through immersive future-focused experiences, combining visuals, sensory elements, and digital technologies to create meaningful connections.  [... view ByAllMeans Studio profile ]
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    Pretty Great® is an integrated creative studio designed and run like a talent management company. We search the world for the best creative talent, and we connect them with brands.  [... view Pretty Great profile ]
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    Deliver superior connected digital experiences.

    Zlashy is a dynamic full-service digital agency powered by a team of young, passionate talents from award-winning firms. Our skilled, multi-disciplinary team provides comprehensive digital solutions by blending creativity, strategic insight, and cutting-edge technology.  [... view Zlashy profile ]
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  • Create bold brands that shine on global or national markets.

    Create bold brands that shine on global or national markets.

    Design One is an independent creative studio based in Sofia, Bulgaria, serving businesses of all sizes. They specialize in brand identity services, including visual design, naming, creative and art direction, as well as campaigns and digital identity design. For more details, visit their website.  [... view Design One profile ]
    Location
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  • Empowering Your ideas Into Impactful Experiences.

    Empowering Your ideas Into Impactful Experiences.

    Gauss has been founded in 2012 by a team of passionate and forward-thinking professionals, Gauss started as a web solutions company. Over the years, we have transformed into a specialized firm dedicated to helping clients adopt and leverage advanced technologies.  [... view Gauss profile ]
    Location
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    Number of Employees
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    At Pathfinders, we are a collective of creative freelancers who thrive outside conventional office settings, driven by a passion for designing with people in mind. Whether you need a brand, website, mobile app, or online marketing, were here to help. Lets talk!  [... view Pathfinders profile ]
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    Design, development, and consultation that turn your dreams into realities.

    We are 8px Studio, a full-service digital agency. Our skilled team provides end-to-end solutions to take your business from 0 to 1, whether your needs are in design, development, marketing, strategy, or anything in between.For a more detailed overview, schedule a call at cal.com/8pxstudio  [... view 8px Studio LLC profile ]
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  • Beyond Software, We Build Success at Ozitech.

    Beyond Software, We Build Success at Ozitech.

    At Ozitech, we specialize in developing a cutting-edge software solutions that deliver tangible results. From custom website and mobile app development to strategic digital marketing campaigns, we're dedicated to helping you achieve your business objectives. Our focus on user-centric UI/UX design and  [... view Ozitech profile ]
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    Elevate your online presence with a custom designed.

    Freelance UKHub is a dynamic freelance agency offering professional web design, web development, mobile app development, digital marketing, and branding services. Our team consists of seasoned freelancers, each with over 10 years of corporate experience, ensuring top-quality results.By choosing Freelance  [... view Freelance UKHub profile ]
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    Qodestar is a digital studio focused on building clean, high-performing mobile apps and digital experiences. We partner with startups, growing businesses, and creative teams to transform ideas into intuitive mobile solutions through thoughtful design and development.  [... view Qodestar profile ]
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    Location
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    Number of Employees
    250 - 499
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    $50/hr
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    $10,000 - $25,000
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    Unlock Your Digital Potential

    Fabled Solutions is a Canadian software development agency based in Edmonton with 10+ years of experience. We build custom web and mobile applications for startups and enterprises across Canada and beyond. Our agile approach ensures flexibility, collaboration, and client involvement throughout every project.  [... view Fabled Solutions profile ]
    Location
    Edmonton, Canada
    Number of Employees
    Under 49
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    $150/hr
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    $25,000 - $50,000
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  • Aesthetics Meets Functionality, From Idea to Launch.

    Aesthetics Meets Functionality, From Idea to Launch.

    Bamsthetics is a Nigerian-based digital design and development studio (Ikeja, Lagos), founded in 2023. Their core team of 29 specialists delivers powerful, visually engaging digital experiences.  [... view Bamsthetics profile ]
    Location
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    Number of Employees
    Under 49
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    $40/hr
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Fintech App Development Company Hiring Guide

What is a fintech app development company?

A fintech app development company is a company that specializes in building secure, user-friendly, and compliant mobile applications for the financial services industry. Its team of financial app developers brings deep financial knowledge and development experience to the table, saving companies time and resources compared to building an in-house team.

Business leaders and customer demands commonly redefine the needs of the industry. This leads to specific challenges that require the deep industry knowledge of financial app developers, such as:

  • Manual and siloed finance processes
  • Lack of security and fraud prevention capabilities
  • Fragmented customer onboarding experience
  • Poor customer engagement
  • Financial management personalization
  • Lack of inclusivity across financial apps
  • Poor integration of financial apps into existing systems
  • Lack of transparency with end consumers
  • Difficulty standing out from the competition in the industry
  • Operational gaps that prevent scaling

The global fintech market will grow to $600 billion by 2029. This growth is fueled by tech adoption across businesses as they increasingly embrace innovations like blockchain, automation, and data analytics to achieve accuracy and build trust with consumers through transparency.

Success story

The success story below emphasizes the role of financial developers where their expertise translates into inclusive financial services and everyday efficiencies:

  • Challenge: EasyRecovery was a pioneering project to develop a unified platform for vehicle repossession within the financial sector. It needed an app that could accommodate huge data upload and user base as well as integration of offline accessibility.
  • Solution: Fulminous Software built the first-of-its-kind vehicle repossession app, packed with features such as unlimited data uploads with access controls and ensured offline functionality with one-time data sync. It also deployed user-friendly account creation and profile management that streamlined onboarding and boosted user experience.
  • Results: The collaboration led to a significant 200% growth in investment for EasyRecovery as banks and non-bank financial companies (NBFCs) adopted the app. The app’s active user base reached over 1,500, with established coverage across 20 states.

What do financial app developers do?

Financial app developers take part in the end-to-end process of fintech app development. They play vital roles in planning, coding, designing, testing, compliance support, and post-launch maintenance to produce a diverse range of fintech apps, such as:

  • Budgeting and expense-tracking apps
    Help users categorize expenses, set budgets, and track their spending habits to gain control over their finances
  • Savings and goal-tracking apps 
    Allow users to set financial goals, track progress, and automate savings transfers
  • Investment tracking apps 
    Designed to monitor investment portfolios, these apps provide users with real-time data, performance analysis, and potentially educational resources
  • Mobile banking apps 
    Provide convenient access to bank accounts, allowing users to check balances, transfer funds, pay bills, and deposit checks remotely
  • Peer-to-peer (P2P) payment apps 
    Facilitate instant money transfers between individuals, often using mobile phone numbers or usernames for easy transactions
  • Mobile wallets 
    These digital wallets securely store payment information (credit cards, debit cards), allowing users to make contactless payments at stores or online
  • Loan application and management apps 
    Streamline the loan application process, allowing users to compare loan options, apply online, and manage loan repayments conveniently
  • Crowdfunding and P2P lending platforms 
    Connect borrowers with lenders, enabling individuals to raise capital for businesses or personal needs through online platforms
  • Robo-advisor apps 
    These automated investment platforms use algorithms to create and manage investment portfolios based on individual risk tolerance and financial goals
  • Stock trading and investment apps 
    Enable users to buy and sell stocks, bonds, or other investment products directly from their mobile devices
  • Wealth management apps 
    These cater to high-net-worth individuals, offering comprehensive financial planning tools, investment management services, and wealth preservation strategies
  • Expense splitting apps
    Simplify splitting shared expenses like restaurant bills or rent payments
  • Insurance apps
    These allow users to manage insurance policies, track claims, and access customer support services
  • Cryptocurrency apps
    Designed for buying, selling, and managing cryptocurrency holdings, these apps cater to the growing digital currency market

Success story

Financial app developers go beyond basic app development. This case study is highlighted by our experts to further emphasize the role of fintech app developers in bringing innovation to the fintech industry:

  • Challenge: The client challenged Suffescom Solutions to create a user-friendly and widely accepted digital wallet and card app for managing various digital assets.
  • Solution: Suffescom Solutions focused on user experience by building HyperPay with a user-friendly interface for managing digital assets in-app. Its team created a globally accepted HyperCard that functions in over 50 million merchants in 176+ countries. To further enhance accessibility, the card is accepted at most ATMs, allowing users to access and spend their digital assets anywhere.
  • Results: HyperPay boasts an average rating of 4.3 stars, indicating high user satisfaction. Its success is evident in its growing user base of over 100,000 downloads.

How long does it take to develop a fintech app?

The development timeline for fintech apps can take 3 to over 12 months. Simple apps with basic functionalities can be developed in 3-6 months. Complex apps with advanced features like real-time stock trading or tight security protocols may take 12 months or even longer.

  • Basic fintech app (3-6 months) 
    These apps typically involve core functionalities with limited customization. Development focuses on building a user-friendly interface, integrating with existing payment networks or banking systems, and ensuring basic security measures.
  • Average fintech app (6-12 months)
    Development involves building more complex features, potentially integrating additional third-party APIs such as stock market data feeds, and credit scoring services. It also implements more robust security measures.
  • Advanced fintech app (12 months and up)
    Development necessitates expertise in building highly secure and scalable systems. It may involve integrating with many APIs, building custom algorithms, and ensuring compliance with stricter financial regulations. The extended timeframe reflects the intricate nature of the features, the need for thorough testing and security audits, and the involvement of specialized developers for specific functionalities.

How much do fintech app development companies charge for their services?

Fintech app development companies charge between $30,000 to over $300,000, depending on the type of app and other factors such as feature requirements, location of the developers, type of integrations, timeline, and scope of work.

Here is an elaborated table on the cost of financial app development based on app type:

Type of appCost
Banking app$30,000 to $300,000
Lending app$50,000 to $150,000
Personal finance app$50,000 to $300,000
Insurance app$45,000 to $200,000
Investment app$60,000 to $120,000

Below is the price of hiring financial app developers based on locations:

LocationCost per hour
North America$25 to $35
Latin America$25 to $35
Europe$35 to $65
India$20 to $25
Africa$25 to $30

On DesignRush, the top 50 fintech app development companies charge an average of $51/hour. 8.9% of the financial app developers accept projects with a budget of less than $1,000, catering to basic app development. In contrast, 6.9% accept projects with a $50,000 minimum budget, offering clients more complex integrations and feature-packed financial applications.

Why should I hire a financial app developer?

You should hire a financial app developer because building a secure, user-friendly, and compliant app requires a specialized skill set. A fintech app is more than a software. It undergoes financial systems and regulations. With experts on board, you gain access to their expertise, network, and technologies.

Moreover, you should hire a fintech app developer because they:

  • Have industry expertise in handling and integrating finance apps
  • Can advise on best practices, user behavior patterns, and emerging trends
  • Have the tech to implement secure coding practices and data encryption
  • Can be more affordable than hiring an in-house development team
  • Conduct thorough testing throughout the development process
  • Provide maintenance and support after launch
  • Can guide you through regulatory compliance

Success story

Our experts chose this case study to showcase the expertise of financial app developers through the development of user-friendly financial applications and its impact on consumers:

  • Challenge: BIM needed to reduce its high transaction costs and empower merchants. It struggled with frequent fraud due to weak verification systems, limited reporting capabilities, and an unintuitive user interface (UI), which hindered its progress. On top of that, it also faced the lack of proper security measures for its automated clearing house (ACH) tool, which presents a critical integration for the company’s operations.
  • Solution: Successive Digital addressed these challenges by revamping the existing user interface to be more user-friendly for merchants. It developed a secure and fraud-proof system with third-party API integrations including features like transaction tracking, content management, and personalization for merchants.
  • Results: The partnership streamlined processes and reduced manual intervention by 70%. It increased energy efficiency by 90%. The app was well-received by users and merchants reporting a boost in user engagement by 15x, with 65% attributed to the improved and responsive UI.

How do I choose the best fintech app development company for my business?

Developing a successful fintech app requires a partner who understands the complexities of finance integrations and the importance of security.

To choose the best financial app development company, follow these steps:

  1. Define the function of the app 
    Identify the function that the app will play in your business or organization, whether it is for payments, money transfers, or investments. Set goals to make the selection process more streamlined.
  2. Determine the budget 
    Establish a realistic budget that factors in development costs, ongoing maintenance, and potential compliance fees.
  3. Consider the complexity of the app 
    Define the project scope, considering the complexity of features, regulatory requirements, and potential integrations with existing financial systems. Research development costs for similar fintech apps to set budget expectations.
  4. Research financial developers 
    Explore top agencies on Google and online directories like DesignRush to see which companies can deliver the features that your app needs. You can also navigate fintech-specific publications for reputable developers or network with potential partners during industry conferences or events.
  5. Evaluate fintech expertise 
    Review their company portfolio. Look for case studies on apps with similar features, functions, and target audiences. Consider the level of expertise of the developers they employ and the certifications their team holds.
  6. Look into deployed technologies 
    Inquire about their experience with relevant fintech technologies like blockchain, AI-powered financial tools, and open banking APIs.
  7. Assess industry reputation 
    Read testimonials from past clients to get a picture of how they work. Check for recognitions and awards from leading institutions specific to financial app development.
  8. Shortlist fintech app developers  
    Contact your top choices and send them a detailed request for proposal (RFP) to clarify the scope of the project and their ability to meet your needs.
  9. Discuss security compliance  
    Deep dive into the companies’ data security practices. Understand how they encrypt user data, control user access, and conduct penetration testing to identify vulnerabilities. Inquire about their experience working with regulatory bodies and on compliance audits. This will give you peace of mind knowing your app meets security standards and operates within the legal framework.
  10. Select the financial app developer
    Select the developer who best aligns with your needs, budget, company culture, and understanding of the evolving fintech landscape.

Struggling to find the right fintech app developer? Our Marketplace can help you connect with qualified companies. Simply provide a few details about your project and we’ll shortlist five top agencies that align with your needs, for you to interview and find an ideal candidate — for free.

How do I find the best financial app developer on DesignRush that fits my budget?

DesignRush simplifies your search for the ideal financial app developer. Our filters let you browse a curated selection of financial app development companies, allowing you to shortlist agencies based on your budget. Whether you have a budget starting at $1,000 or exceeding $50,000, we can connect you with qualified developers who can deliver your vision securely.

Low Budget: 1k above
Mid Budget: 10k above
High Budget: 50k above

Our directory also lets you find the perfect financial app developer that matches your needs through location, team size, and industry experience. Navigate through our agency portfolio to gain insights into the agencies’ work and connect with them.

What are the key success metrics in financial app development projects?

Here are some key success metrics that you can use as a benchmark for your financial app development project. These metrics measure user engagement, revenue, and security for your app to ensure that you’re on track with its wins and areas for improvement:

  • Number of downloads and installs
    Measures the initial traction of your app. High download rates indicate user interest, but they also ensure you're acquiring the right users.
  • Number of active users
    Tracks how many users are actively engaging with your app on a daily (DAU) or monthly (MAU) basis. Consistent growth in active users signifies user retention.
  • Session length and frequency
    Analyzes how long users spend within the app and how often they return. Longer sessions and higher frequency indicate a valuable and engaging experience.
  • User acquisition cost
    Measures the marketing cost associated with acquiring each user. A low CAC relative to customer lifetime value (see below) indicates efficient user acquisition strategies.
  • Conversion rates
    Tracks the percentage of users who take a desired action within the app, such as completing a transaction, signing up for a premium feature, or referring others. High conversion rates indicate users are finding value in your app.
  • Average revenue per user (ARPU)
    Measures the average amount of revenue generated from each user over a specific period. Increasing ARPU shows you're effectively monetizing your user base.
  • Customer lifetime value
    Estimates the total revenue a user generates for your app throughout their relationship with it. High CLTV indicates users are not only converting but also remaining engaged and valuable over time.
  • App crash rates
    Tracks the frequency of crashes and bugs encountered by users. A low number of crashes signifies a stable and well-functioning app.
  • App load time and performance
    Measures how quickly the app loads and responds to user actions. Fast performance enhances user experience and satisfaction.
  • Security incidents and data breaches
    Tracks any security vulnerabilities or data breaches within the app. A secure app is critical for maintaining user trust and regulatory compliance.

What questions should I ask financial app developers before hiring one?

Before hiring financial app developers, ask these questions first to know if they can execute the needs of your business securely and seamlessly:

Its Relevant Background

  1. How many years of experience do you have developing financial apps?
  2. Which clients have you worked with in the financial sector?
  3. Do you have developers with experience in specific areas like security, blockchain, or regulatory compliance?
  4. What certifications do your developers hold relevant to financial app development?
  5. How do you stay informed about the latest trends and developments in the financial industry?

Its Services and Processes

  1. What is your typical development process for a financial app?
  2. How do you handle communication and collaboration with clients throughout the project?
  3. What methodologies do you use for project management?
  4. What security practices do you follow to ensure the safety of user data?
  5. Are you familiar with relevant security standards like PCI DSS and SOC 2?
  6. How do you handle data encryption and access controls?
  7. What programming languages and frameworks do you typically use for developing financial apps?
  8. Do you have experience with cloud platforms like AWS or Azure for financial applications?
  9. What tools do you use for version control, testing, and bug tracking?

Relevant to Your Project

  1. Based on our project requirements, what is your estimated timeline for development?
  2. What is your approach to breaking down the project into manageable phases?
  3. How will you handle changes to the project scope during development?
  4. What kind of post-launch support and maintenance services do you offer?
  5. How will you handle bug fixes and security updates after the app is launched?

What are the best fintech app development companies in the US?

The best fintech app development companies in the US are:

  • TechAhead
    • 4.8 stars on DesignRush (6 reviews)
    • 4.0 stars on Google (8 reviews)
    • Top clients: American Express, Disney, AXA, The Times Group
  • Praxent
    • 4.8 stars on DesignRush (8 reviews)
    • 5.0 stars on Google (6 reviews)
    • Top clients: Credit Strong, Keller Williams, Integris Group, Axiom Investors
  • Experion Technologies
    • 4.5 stars on DesignRush (2 reviews)
    • 5.0 stars on Google (1 review)
    • Top clients: Duracell, Speedo, TopGolf, Bacardi
  • Caveni Digital Solutions
    • 4.9 stars on DesignRush (29 reviews)
    • 4.8 stars on Google (37 reviews)
    • Top clients: IGS Inc., Nine By Nine Payroll, Pro Support, Phoenician Home Improvement
  • Unified Infotech
    • 4.9 stars on DesignRush (24 reviews)
    • 5.0 stars on Google (11 reviews)
    • Top clients: Citibank, NBC Universal, United Nations, CQ Fluency

About The Author and Expert Reviewer

Selina Garcia has authored 500+ articles and edited 50+ published books in economics, law, and history. Her unique blend of experiences allows her to approach content creation from a well-rounded perspective. Currently, Selina applies her expertise to producing insightful articles on IT, software, and applications for DesignRush.

Former Development Director

Sergio is a technology leader with over six years of experience managing global teams and delivering projects across fintech, sportstech, and B2B platforms. At DesignRush, he drove product growth and development execution, building tools that speed up processes by 95% and cut costs by 35% while maintaining full uptime.